The H-plan's cap is the P-plan rate, so with HIBOR where it is both price at 4.125% today. The H-plan is only cheaper once 1M HIBOR falls below 2.825%.
If rates change · monthly repayment
LTV
Term
▼ 0.50% · 3.625%
HK$43,604
−HK$2,735/mo
▼ 0.25% · 3.875%
HK$44,961
−HK$1,378/mo
Today · 4.125%
HK$46,339
baseline
▲ 0.50% · 4.625%
HK$49,158
+HK$2,819/mo
Deposit HK$9.56M · loan HK$9.56M · min. income ≈ HK$92,678/mo (50% DSR)
Upfront cash ≈ HK$10.28M (deposit + AVD stamp duty HK$717,094 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,509
−HK$2,621/mo
▼ 0.25% · 3.875%
HK$49,810
−HK$1,320/mo
Today · 4.125%
HK$51,130
baseline
▲ 0.50% · 4.625%
HK$53,825
+HK$2,695/mo
Deposit HK$9.56M · loan HK$9.56M · min. income ≈ HK$102,260/mo (50% DSR)
Upfront cash ≈ HK$10.28M (deposit + AVD stamp duty HK$717,094 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,325
−HK$3,281/mo
▼ 0.25% · 3.875%
HK$53,953
−HK$1,653/mo
Today · 4.125%
HK$55,606
baseline
▲ 0.50% · 4.625%
HK$58,990
+HK$3,384/mo
Deposit HK$7.65M · loan HK$11.47M · min. income ≈ HK$111,212/mo (50% DSR)
Upfront cash ≈ HK$8.37M (deposit + AVD stamp duty HK$717,094 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,211
−HK$3,145/mo
▼ 0.25% · 3.875%
HK$59,772
−HK$1,584/mo
Today · 4.125%
HK$61,356
baseline
▲ 0.50% · 4.625%
HK$64,590
+HK$3,234/mo
Deposit HK$7.65M · loan HK$11.47M · min. income ≈ HK$122,712/mo (50% DSR)
Upfront cash ≈ HK$8.37M (deposit + AVD stamp duty HK$717,094 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,046
−HK$3,828/mo
▼ 0.25% · 3.875%
HK$62,945
−HK$1,929/mo
Today · 4.125%
HK$64,874
baseline
▲ 0.50% · 4.625%
HK$68,821
+HK$3,947/mo
Deposit HK$5.74M · loan HK$13.39M · min. income ≈ HK$129,748/mo (50% DSR)
Upfront cash ≈ HK$6.45M (deposit + AVD stamp duty HK$717,094 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,913
−HK$3,669/mo
▼ 0.25% · 3.875%
HK$69,734
−HK$1,848/mo
Today · 4.125%
HK$71,582
baseline
▲ 0.50% · 4.625%
HK$75,355
+HK$3,773/mo
Deposit HK$5.74M · loan HK$13.39M · min. income ≈ HK$143,164/mo (50% DSR)
Upfront cash ≈ HK$6.45M (deposit + AVD stamp duty HK$717,094 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,488
−HK$4,921/mo
▼ 0.25% · 3.875%
HK$80,929
−HK$2,480/mo
Today · 4.125%
HK$83,409
baseline
▲ 0.50% · 4.625%
HK$88,485
+HK$5,076/mo
Deposit HK$1.91M · loan HK$17.21M · min. income ≈ HK$166,818/mo (50% DSR)
Upfront cash ≈ HK$2.63M (deposit + AVD stamp duty HK$717,094 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,317
−HK$4,717/mo
▼ 0.25% · 3.875%
HK$89,658
−HK$2,376/mo
Today · 4.125%
HK$92,034
baseline
▲ 0.50% · 4.625%
HK$96,885
+HK$4,851/mo
Deposit HK$1.91M · loan HK$17.21M · min. income ≈ HK$184,068/mo (50% DSR)
Upfront cash ≈ HK$2.63M (deposit + AVD stamp duty HK$717,094 · Scale 2, in force from 26 Feb 2026)